Kissht - EMI without credit card - 0% EMI Finance APK

Version 1.6.1 - com.fastbanking
Last updated: 2020-01-18 00:12:23

Buy mobile, laptop, camera & many more on EMI without credit card & debit card

Kissht - EMI without credit card - 0% EMI Finance apk

APP Information

Download Version 1.6.1 (161)
Apk Size18.68 MB
App DeveloperKissht
Malware CheckTRUSTED
Install on Android4.4.x and up
App Packagecom.fastbanking.apk

Download Kissht - EMI without credit card - 0% EMI Finance 1.6.1 APK

App Description

Kissht - EMI without credit card - 0% EMI Finance is fastbanking,finance,kissht, content rating is Everyone (PEGI-3). This app is rated 5 by 1 users who are using this app. To know more about the company/developer, visit Kissht website who developed it. com.fastbanking.apk apps can be downloaded and installed on Android 4.4.x and higher Android devices. The Latest Version of 1.6.1 Available for download. Download the app using your favorite browser and click Install to install the application. Please note that we provide both basic and pure APK files and faster download speeds than Kissht - EMI without credit card - 0% EMI Finance APK Mirror. This app APK has been downloaded 16266+ times on store. You can also download com.fastbanking APK and run it with the popular Android Emulators.


Kissht is India’s fastest credit app where one can avail purchase financing and revolving line of credit. The purchase financing can be availed for mobile phone, laptop, camera, & many more electronic gadgets. Further, 2 years revolving line of credit can availed, akin to credit card. With Kissht, bid adieu to your financial worries! Get credit with zero collateral and APR ranging from 14% - 31% per annum for a tenure of 3 months to 24 months. Avail any amount starting from Rs. 3,000/- to Rs. 1,00,000/- depending on your eligibility.

Loan Types

1. Online Purchase Loan - Kissht is a one-stop destination to get your desired products like smartphones, laptops, cameras, and any latest electronics on EMI and repay within 3 months to 24 months tenure. This loan can be used to make purchases at Flipkart, Makemytrip, etc.The APR is between 14% and 24%.

2. Personal Loan - Kissht also offers Personal loans for salaried & self - employed
professionals for their various needs. The amount ranges from Rs. 3,000 to Rs.
1,00,000/- with a tenure ranging from 3 months to 15 months, depending on the
person’s eligibility.The APR is between 16% to 28%.

3. Revolving line of credit - Kissht also offers credit limit for 2 years (24 months). This is a revolving credit facility, where the customer can avail the limit seamlessly for next 2 years, till the customer is paying on-time. To incentivize better credit behavior, the customer is offered waivers and reduction in instalment amount for timely payments.The customer can avail upto a credit limit of Rs. 30,000. The APR is between 20% and 31%.

Amount, Tenure, Fees &Charge

Loans range from ₹3,000 to ₹1,00,000 with tenure ranging from 3 months to 24 months. The APR ranges from 16 to 31% depending on the product availed, risk profile, and creditworthiness of the customer. Penalty charges are charged only when a customer defaults or delays their loan repayment schedule in spite of reminders. In addition to it, GST applies as per Indian laws.

APR Examples

1. A new salaried customer (low risk) can avail a loan of ₹30,000 at an interest rate of 18% with a processing fee of ₹750 for a tenure of 12 months. The APR is 22.91%.
Interest Calculation
Loan amount: ₹30,000
Interest Rate: 18% per annum
Tenure: 12 months
Interest Payable: ₹3,005
Equally Monthly Instalments (EMI): ₹2,750 per month

2. Loan Amount: Rs. 20,000 for OnePlus 5 @ 16% interest rate per annum, Tenure of 6 months, Processing fee: Rs. 300. EMI amount: Rs. 3490/month. APR: 21.33%

3. Loan Amount: Rs. 48,000 for iPhone @ 20% interest rate per annum, Tenure of 15 months, Processing fee: Rs.1,200. EMI amount: Rs. 3643/month. APR: 24.03%

4. Customer availing a revolving line of credit of Rs. 25,000 for a period of 2 years. Over a two-year period, the total fees (includes processing fees and a one-time initiation fee) charged is 9%. The interest rate is 18% per annum. The APR for the revolving lines come as 28.54%.


1. 100% online (paperless) process
2. Minimal documentation
3. No Credit Card required
4. No collateral required
5. Secure transaction (128-bit SSL encryption)

Eligibility Criteria:
1. Indian Nationality
2. Minimum age of the applicant should be 21 years
3. Minimum monthly income of Rs. 12,000/-

1. Address Proof (either of AADHAR Card/Latest Utility Bill/ Valid Rent Agreement)
2. PAN Card
3. Last 3 Months’ Bank Statement
4. 1 Signed ECS Form for auto-debit

Contact Us

1. For queries regarding your product purchase, feel free to call us on our customer
care number - 022-62820570 or WhatsApp us on - 02248913044
2. You can also write to us at

App ChangeLog

App Screens

Kissht - EMI without credit card - 0% EMI Finance Screenshot 1Kissht - EMI without credit card - 0% EMI Finance Screenshot 2Kissht - EMI without credit card - 0% EMI Finance Screenshot 3Kissht - EMI without credit card - 0% EMI Finance Screenshot 4Kissht - EMI without credit card - 0% EMI Finance Screenshot 5Kissht - EMI without credit card - 0% EMI Finance Screenshot 6Kissht - EMI without credit card - 0% EMI Finance Screenshot 7

Reviews From google play store

Not able to verify bank account. Hence cannot proceed with the application. Absolutely no response on email, call, whatsapp. I added 1st account, which was not verified. Hence added another account, still same result. Now they are asking to add another account. How many accounts do you think a person has? UPDATE: The moment I wrote the above review, my query was resolved. Thank you!!

They show you approved limit and at the time of bank verification they do not accept any bank, I jav tried with my 3 different bank accounts, and the customer care was also not responding in call ortext messages, there services are very slow I'm still waiting for money to credit in my account, and also they charge you 1000 rs extra for taking 2000 loan amount, they are seemed to be totally fraud!!!!

This is the worst app already paid the payment on time even though i m getting calls and sms and also they are collecting charges almost 25% of loan amount dont try this app. Till the time issue is not resolved and made me defaulter..dont try this app i don't recommend it to anyone else.i will wait till EOD If it wont get cleared i ll take the necessary action. My number is already sent u mail.

These are cheaters they will take higher processing fees and one time activation fees and they will make false promises like that this fast cash limit is valid for 2 years and after you will make full repayment of first fast cash loan which is 1000rs more than the disbursed amount there will be no option to take second loan... They are fraudulents.. Don't trust them you can't talk to the customer cares... And no support at all... 😠😠

I will not recommend this app to any of my friend they are just making froud, There is no call center, no reply of e mails when called to customer care number IVR says that due to huge customer calls we will call you back in 4 hours but no call received........ Wrong amount was credit in my account and will make repayment.

I just trying to login the app the amount is transferred to the bank after completing my full profile. The amount transferred is 4056 and i have to pay 5032 in just 15 days for money which i don't needed. Another good thing is that none of the mode for contacting customer care is working. from 3 days i tried hard to contact but nothing works. Worst app. Now I am thinking why i downloaded this app, Just take your money and clear my dues i will not pay any single extra rupee.

You guys gave me limit, i used 50 percent of my limit to book travel ticket, and i am trying to use remaining 50 percent amount to book ticket but im unable to use it. I am not at all finding option of trip money. Once u guys give certain limit then it should be possible to use it completely. Why u guys have restrictions on it. I called your customer support and every one is giving different answers, one told soft ware issue, another person told first we need to clear the present loan. Pathetic

Most useless application ever. First of all I accidentally took a loan from this account which was my biggest mistake. Then they asked me to repay it within 15 days. So I tried to reach their customer service to help me with this issue about the money I borrowed accidentally. I tried to call them 3 times and they kept me on hold for atleast 20-30mins. Then I left a message on WhatsApp, but there is no reply yet. I mailed them and yet they are least interested to solve the issue.

Superb application the money by 15 min at the time of my need . No bugs and harassment alike other online app for lots of documentation issue ..thank you team kissht But I repaid the amount and after that I'm unable to apply for new loan amount I have contacted to your customer care team but no reply on my issues was very happy with your first service but now I am very disappointed with your service

Very bad, from last 5 days it's showing add new bank details ur bank is not verified. I have added 2 banks but same it's showing for both. Credit limit approved message is coming but what is the use if I can't add the money to my bank when I require the most. Customer support everyday says try after 2 hours it will be done.. But it never got finished.

Plez don't Install this app If you are get e.g 3000 loan it should be only 2044 credit on your account but you have to pay 3044 ru with interest this app charges more than 1000 processing fees and extra...!! Be aware for this App plezz don't install i am making fool but you don't make fool as like me so keep alerts

I have cash loan 3 times and I paid before time and I paid 3800 for 3200 but when I paid full amount the screen shows no option for cash loan. Option is to take mobile on finance. I need cash for emergency. This is frustrating. Why u show false promise of instant loan of 30 thousand. I need in emergency. False app.

Disappointig service. 3 email send for complain every time get auto trigger email it will resolved in 24hrs but no one turned back. I have applied for loan on 4th nov, get notification email loan approved and transferred to my account. On app its shows due to technical error unable to transfer amount. Once resolved will transfer amount and adjust due date. Till date neither amount has been transfered nor issue resolved. Without get loan it shows due date of 19th november. I have snapshot.

Instant loan approved and there was no chance for setting the time and amount directly money is transfered to the bank. One of the worst app you cant set amount and no need to sign for the agreement. Charges is heavy and time limit is 15 days. Which is not mention. Kindly dont ever use this app. Better then this u can use a lot of other apps which has much less processing charges

Your processing fees is not to One time any time get loan and buy to processing fee I'm quite your app and my friend not use to app is my opinion. U write to 3800 /- Loan but account credit to 3396/- Loan,after 20 day is loan amount pay to 3800/- Interest rate-138% Bad App.

Fast and quick loan system will provide this app... really nice ...and very helpful for emergency. I have get instant amount loan of Rs 3000 @ emergency time ...I am really thankful to kissht.....but only thing is that processing fee is some more hi...I am suggesting please it should be reduced till Rs 100/-...Thanks

I don't no why this application is still in Playstore. They don't have support team also. First time applied loan they credited amount to my bank with in 10mins. Repayed and taken 2nd loan.. In application it shown amount was distributed to your account.. But actually amount still not credited to my bank account.. 24 hours completed..

I would have rated this app -1 star if that was possible. I had applied for a loan which was due on 21st November 2019. I have paid the due amount 2 days advance. Post payment i wanted to check what is my new eligibility hence i tried to apply for a new loan and now it was declined by Kissht. Kissht is the 1st ever company that declines the application when customer has paid in advance. Very disappointed. Will never suggest this app to anyone. Kreditbee is better than kissht. Less deduction.

First use it was good and had no problem bit now after taking the loan and repaying it 3 days before but still the application shows repayment pending had to call them and explained the problem they said contact the bank I called the bank and they said that the amount is transferred and asked me to share the imps reference I'd but still they didn't solve my issue and I'm not going to pay extra for late payment because I am not having money

Very waste app first will approve loan full amount. But they charge 22 percentage after they transfer balance amount. Before don't inform automatically loan amoumt will credt. Only due timing 15days. Very waste app please don't try any one. Late charges loan amount 3022rs after 15 days they charged 324 for eight days very illegally collecting amount. If any one want amount please try other apps dont try this.

Loan application and disbursement within 15 min , 4000 approved received 3293 , paid 4361 with a delay of few days ... one time activation and processing fee with late fine ... appears to be an expensive loan for short term of 15 days ... only advantage is they are very quick to disburse the money ... there is no option for taking loan second time as they will not assign you any credit limit ... you will only know when you have installed the app and availed loan ... customer service is zero nobody picks up phone and email replies are in their standard format that also they will take weeks to reply. They will come out some excuse which does not apply in my case as by cibil score is 751. Good way of making money I paid 1068 for a loan of 3293 for 18 days you can calculate yourself how much they are charging.

Very good app, provided me loan within few minutes, everything is very good but one thing which i didnt like is interest rate and tenure u r taking high interest and giving very less time for repay, either increase tenure or decrease interest, u people are providing us loan in our needs thats really hats off, but plz remember one thing a person will take loan to fullfill his requirements or emergency, so if u increase tenure then it will b grateful.....

Cheater and poor didn't describe any processing fee charges, taxes and payment date. On transfer page shows the details you can't cancel transactions. For 4000 I get 3200 only and I have to pay 4030 in next 15 days. Don't download this app.for using 3200 for 15 days I have to pay 800 interest and taxes

It's a very good app an emergency purpose instant disburse to our bank account I am waiting to repayment time & after paid I will wait exciting how much to sanctioned me.....I suggest all of my friends, score also increased will on time payment very very good app I trusted it so who an emergency purpose or anything try this app it's working to anyone,once approved instant credited to our directly......nice!

Very useful app, but processing fee and interest rates are double the loan amount, should keep some reasonable fee & interest amount. Loan tenure is very less, please increase days when u guys charge high interest... Anyways useful at emergency cases guys... Easy process to get the money into your account...

The very first review of mine in Google play about an application. This is the best app which took not more than 10 mins to approve my loan and disbursed it on time. I would recommend all my friends and family. Please make sure all of your documents are good and the credibility of yours as well. If they are perfect you people will get loan approved and get disbursed in minutes. Thank you team KISSHT.. All the best..

I'm totally satisfied with the service superb! Best loan application I urgently need case to pay my light bill and today when I applied for personal loan online using their app it's really useful for me.. Loan amount l applied is instant approved in 5 mins.. This guys created superb personal loans application and what I really like it the amount credited with my account with simple online process and I don't face any issue while applying for a personal loan app easy use and I suggest to all

Best app,,with less doccument we wll get loan immediately..but am not happy with repayment method,,atleast u hav to give one month duration for repayment....please change plan for repayment,,because kreditbee app give one month ,three month duration for repayment..

Thank you for being the number 1 loan app. I have tried 15 other services and never got anything even after my salary was 37,500 INR. kissht app gave me fast cash and even made the application so fast. no hassle no fuss. Thank you for trusting customers and making the process so fast and nice.I have repayed the amount back and very greatful for your services.

It is a very good app I got instant money with in 15min is very good for instant money requirements. I applied for this app ..... never expected that....process will done with in 15min .........once again thank you for kisst loan app.....for getting me money....when I am in must need.....thank you so much......

Comparing to other apps your app will be taking too much charges . Otherwise All apps are given 30-31days repayment. but your app giving 15 days only. Your cheating people. don't think about profit just think about customer's satisfaction then only all users are getting loan from your app. Very worst customer service

Very very fast and quick approval and disbursement of amount in Bank within flash of seconds.but rate of interest is high. And tenture should be increased. We have to pay in 15days only..

This is very bad experience for this app First time is getting loan easy . interest rate to high and one time processing fess to high at 300 and 2nd time you apply loan but app show is still not applicable for any loan this is very bad service .

Its a total waste of time. Application shows loan approved. But bank verification process doesn't work at all & i have already added 2 bank details. And now the app shows add another bank

This app is help free..great app...if you are giving loan is very appreciate but you have to increase the limit and time..thank you they are giving loan instant cash for 15 days only and limited amount..4500 ..plz increase the limit and tenure time

Good app i got loan in few minutes not one time but two times. But there are two problems. 1. After the cut off of fee and GST i got rs 3809/ from 4500/ it's to low. And 2. The returning period is too short at least we should get 1 month.. Please do something.

Waste application I ever seen. Loan approved for 3000 then when I going to withdraw amount to bank it's showing application declined apply after 3 months. Please friend don't download anyone . Very huge interest rates and processing charges for approved 3k amount you will get 2k in account. Then you have to pay 3200 for 15days.

It was good experience with this app in terms of loan or credit but the changes are so high and the time duration is very less in comparison to the other app

This is my third review for your cheater app. Now I am pissed off you guys are sending me loan reminders that I have to pay for a loan that i have not even received since 6th Nov. Multiple tickets are raised, mobile number is shared but still no resolution. I have my bank statement ready just call me once and be ready for consequences. Absolute rubbish you people are. Call center number given but no God damn person picks the call.

Definitely Kissht app is Good Somewhere or Not for Many users.Because One Time Processing fees+One Time Activation fees for 2 year's is Very High You have to give option to customers to choose 450 for 2 years and 225 for one year & Tenure is Only 15 days to return loan amount i mean why 15 only please Give atleast Customers to 30 days Tenure.

I was in need of an urgent money. I applied through this app and within few seconds got approval message & money transferred in my bank account. Great job. It was easy and hassle free experience and the process was very fast. Recommended!

Worst system. I got loan on just today morning and message shows that you loan approved and amount transferred to your bank account, also on app shows my loan is running. But still I didn't receive any amount into my bank account. I have tried over WhatsApp chat of kissht, also tried to call to representatives and also email about queries for no amount credited into my bank account. But you all are not responsible persons. No solution till the time. Worst system. Don't go through it.

Extremely poor app.This app keep asking for new bank account meanwhile i added 3 bank accounts.1 rupees is credited to all my bank accounts yet they say that account could not be verified..I am being said that even my salary account is not a verified account.Extremely disappointed.Not recommended for anybody..On 4.11.2019 after giving this review I received a call thrice from the kissht team that the problem has been solved please try again to get the loan and I am still trying.But no results 0*

Don't install this app, interest rate is so high as 18% for 15days,this app cheated me,I didn't want loan but in one click loan is intiated,so be aware from fraud, you can download other app like onecash,kreditbee etc where interest rate is to low 1%. I'll never recommend this app.

Superb app. They provided me loan when I required it. I would recommend this app to everyone. Disbursement was very fast. It is very good compared to other rubbish apps.

It's almost 4 days and till now I have not received any amount in my bank account. I thing you are doing fraud with customers service as on my application its showing that I have to pay amount of 3500 but of which service as on 11/01/2019 I have applied for money and it was approved and also showing that it was transacted but I have not got any single penny. I have tried so many times to call your customer service,emailed you and also text on your WhatsApp number but there was no response.

Truly awesome, loan eligibility, approval time, disbursement all things are super,easy and quick..🤘🤘 I would like to give 5***** but giving 4**** just because of its repayment tenure.its Just only 15days sometime it's not possible to repay the amount before the salary. please increase it to 30 days atleast.Rest good app for easy and quick loan. Kudoos 👌👌😉😉😉

Best app for instant approval and service is good but there is a small problem your interest rates are very high in 15 days tenture I took a loan 2 times but my credit limit is not increasing please increase that.thank you.

Very good app get loan amt within some seconds after putting bank details, only need to increase repayments tenure from 15 days to 1 month and interest rates is little bit high but they they giving this loan with low cibil score also thanks Kissht...

It is something like hand loan, it case for emergency small amount, u can Barrow instantly with low rate of interest with instant credit to our account, with simple documents like pan aadhar card required and bank details,

Shown me that you got 4000 limit. After I saw after deduction it was showing 3050. After I try to connect from my account. They transferred me 1rs and after that showing we failed to transfer amount on your account. Supub. They linking my account linked the addhar card and while transfer failed. Cool

Very good app.. helped me when i was in need of money.. within 10min i got money in my account just with based of adhaar card.. really thanks a lot.. but repayment time is very short & charges are very high. Any how this app helped in need of money... thank you KISSHT

This is worst app i wish i can rate this app with negative ratings, multiple schedule call for just loan reminder and also sending 40-50 reminder call daily unnecessarily, just pathetic experience handling them and high rate of interest and processing fee totally fraud. first your executive ask for promotion and then you call relatives for unnecessary intimation of loan payments, unauthorized access to contacts details.

PLAYSTORE SHOULD REMOVE THIS APP. One of my friends has taken 3000 loan from them. They charged 850 as charges for 10 days, with GST and interest. He couldn't make the payment on 10 days. Since then everyday they are calling his family, friends and relatives and talking badly about him. They don't care for Customer Privacy. Don't give access to your mobile contacts. They steal and store your contacts without your knowledge. We are on the way to file complaints with the relevant authorities.

This is the best app I have used. They ask only aadhaar documents to provide loan. Once we complete the bank details, immediately the money will transfer to ur account within few seconds. Awesome service. I love this app so much. Everyone can go for it.

I'm writing this post, because I'm very disappointed for this apps, I'm added my 3 bank account and also 1 rupees credit my every account, but every time not to be added my any bank account. I am don't understand why not added my account, I am also added my salary and saving account, but every time same problem face....

In d beginning it was nice but suddenly people were calling 5 times a day 10 times a day n that on one day before due date after clearing thrice on time payment my loan was not increased but its ok but whn i re applied it was approved and i got a msg money has been transfer but in actual it was not transferred and now no one is responding to my msg or mails regarding my loan disbursal and dey r telling me its a technical error this is unprofessional

Dear friends, never take this loan. This is a big trap. They are cheating the people's by giving small amount and charge almost 25% for only 15 days. That means per annum their interest is almost 600%. Please nobody take this loan., all informations about interest and repayment periods are showing after loan transaction completed.

Very bad app and service alsoo after 3 days of my approval but my money not distributes in my account. So many call massages and mail but no response. It's very disappointed for your service. If my 1st loan was repayment before due date then why so much take time.

It was awesome experience with this app. I got the loan with them instantly. Thank you so much for your quick response. Must try app.. Recommended to all of you guys .. Loved this app.

Best app for instant laon. But due date 15 days is very less . If you increase due date across 30 days . This app is perfect.

This is really very best app.. easy and fast process.. all the process and getting loan will complete in having a cup of tea... i never seen any as fast as this... thank you for your wonderfull service... 5star is also very less.. its deserves 6 stars...

Such a irresponsible customer service and worst experience with this application. I have got instant loan approval 7days ago but after proceeding that shows transaction denied so many times i asked why this happens but they are keep on saying we sent your issue with our conern team like that till now I didn't get loan amount.

My cardless credit on flipkart is not working for the last 6 months. Even the apps is also not working. Jst click on online purchase on flipkart link. We will be live soon. Dont know whats the problem. Either solve it or take back the limit given on flipkart.

While adding the bank details, it always shows a pop up technical fault in bank server. I cant get the money in my bank account

Good service. Your credit score is good, & repayment time to time. Anytime anywhere your loan approved. Thank u kissht team. But you do repayment quickly.

This is a very good app, it is a well-known company which is very much famouse in the Google Play Store, very easily my loan has come up, and new features have been added,new updates makes easy loan process,Thank you so much kissht team.

I am rating 2 starts for the customer support team .I have already paid the amount back still it's not updated,today I am getting a text saying pay to avoid late fee charge. Other day when I called customer service they asked me to email the payment details but yet not response. Dropped text no one is getting back. Such a worst support team. Now don't expect me to get back to you for the payment which I have already done. Rest Everything thing is good.Bit more charges they take but it's quick.

This is the one of the best Loan app. Overall my experience is very very good. I would like to recommend all the people need to Download Kisst app and get an opportunity to be helped with this app in the Financial sector. I will give a 5 Star very Helpful. Thank you Kisht 😊

Worst!! Fraud and cheating! They will only disburse half the approved amount. After they will charge you the full amount and interest on it. They will not show you any details like processing fee, one time fees etc before disbursement however take your permission for the same. Don't try it unless extreme need.

Every time i apply for loan it say tou location is enable kindly disable and apply. but nothing changes it will go back to home page after multiple times somehow it proceed further. Kindly make it user friendly by not confirming things again and again.

Hi team I was paid first emi through Google pay amount also debited from my account. But it was not received by your end and you has not return the amount also. Still now it was pending only and your legal team continusly making the call to me regarding payment. Need immediate solution from your end.

This is most convenient and reliable app entire personal loan segment....and I am a very common user but this app helps me a lot without any inconvenience and delay in processing.....don't go anywhere please be them.

Didn't process well, struggling in location... By giving exact location but the app showing "it doesn't match the pinned place" likewise.. Exhausted to trying this

This app is so useful for your urgent needs. Money Will be deposited in your bank account in just few minutes After some process. This app is so useful to build your credit score for newer one. Just loved it. Thank you #Kissht.

Frankly this app is the worst app u will encounter in terms of loan cause if u don't pay them on time due to some of ur personal problem's they don't gona care about it and will start calling ur contacts threaten them also they will call out u name's as (chor, aukad ni hai to liya kiu, etc) and will also threaten u by saying to corrupting ur cibil as they have their daily target to recover so they get incentive. I have all their recordings and details, also m gona do a complain in IRDA with name

Very Good app. In a word, I can say the name of the app as a friend of danger. I applied for a loan twice. Within 2 minutes the money has been deposited in my bank account. Thanks

Nice app for instance fund transfer. It is a great app , once your credit is defined then you will receive the amount within 1 minute. One suggestion is that kindly reduce processing fees charges.

The Charges are too high...You apply for loan and the disbursal amount they provide is too less..I got approved for a loan of amount 3000/- and the disbursal amount I got is 2380/-. And the repayment is too early. They give us only 15 days to repay the amount and the repayment amount is 3022/-. Also I wanted to cancel the loan and tried customer care they doesn't respond..

It's good that you get the amount when needed but they levy heavy interest charge and the repayment duration is less .please don't borrow until urgently required.

Worst app ever dont take a loan on this app please. They make you fool by taking your document. I am waiting for 10 days and i am contact email chat but there is no response. Hopeless customer service ever Hopeless and nonsense app i ever seen.

Fast loan approval, but can't add Bank details. Unsupportive and late response from chat team tried to connect from last one week but didn't get positive response.

Totally annoying, tomorrow is my due date and I have received almost 30 automated calls since morning, this app will make your life hell.. Kissht do something.. Totally fade up with your services., what is this, what do you think more than 30 reminder in just 2 or 3 hrs, in every 5 mnts i received a call these calls seem threatening.. I don't want any reminders. Don't call me again. I do remember my due dates. Jst send me msg if you want.. But not any call

very good app for emergency needs within minutes of upload of your documents approval amount is disbursed in the bank accounts hardly takes 10-15 mins for the process

Approved loan of 3000 disbursal amount is only 2044 repayment amount is 3022😡 in only 15 day, if calculate you have to pay double ammount in 1 month only🤔. If you want to purchase online go for zestmoney no processing fee no other hidden charge, and no interest for three months emi, best for online purchase from top e-commerce site only "ZESTMONEY".

Worst experience.. even if you pay the amount before the never increase your credit limit.. it's the second time I'm facing the same issue ..

Very bad ... worst 1 rs....already 2 different bank added.. 1rs already added...again again please add new bank to sad.. i heard lots of but i details has been taken...already 2 days left..i mailed..issue is technical.if any one possible u Deliver on tym.

Very worst and fraudulent app, they have said i have eligibility for 5000 rs loan and i have applied. At the time of disbursement they mentioned the repayable amount is 5037 and i added my bank account and i selected to disburse the amount. Once the amount got disbursed, they shown the charges totalling to 860+rs. So i repaid the 4174( which got credited in my account) when called customer care, they are saying me to check whether the charges shown in other people's mobile phone. Fraud fraud

What a joke such a disastrous app with false propoganda to make people fool.You are charging approx 750₹ on limit of 3000₹ and after paying all dues on time just the bluff game is on.All customer care numbers are unreachable just bot voice is activated in loop mode.What a scheme to make screw customer.

Really a nice app. Money credited to my account within a short period of time.

Amazing but interest charged and amount disbursed should be on par. Time limit should be a minimum of 21 Days

26/11/2019 is the date to pay my loan amount but i had paid the amount on 25/11/2019 but its not updated yet there's no any other option to connect to customer care kindly update my profile so that i can get rid of panelty. Thank you. Giving you one star wanted to give you negative because there's no way any 1 can talk to customer care. I tried calling, emailing and also texting to your whatsapp number. I had paid the loan amount but the app is still showing me that the amount is pending.

Worst App Ever. My payments are not updated and they added late payment charges also. One of my EMI shows unpaid, so Now I have to repay it again including Late Payment charges. My advice not to download such kind of Applications.

It just worst app. They are here just to promote there side business. They only provide loan once. I paid my loan on time but suddenly they rejected my loan application for second time. I don't know paying loan on time decrease my credit... Lol

Absolutely, great transactions in minutes. Don't crib on charges. It's business, take it at your will. They do not force you to.

Really a very nice app. Within few minutes I got the amt disbursed in my account with very few documentation.

Very bad app it's taking high processing fee if I take 3000 loan then kisssht app will deposit in my AC only 2044 and pay 3022 in 15 days it's very worst , I won't recommend any one to take loan this app

Excellent app will help money in minutes if your documents are true....I really appreciate it...but processing fees shld be little low...

A convinient way of obtaining fast cash and pay later. We have been enjoying the pay later services offered by Kissht quite a long period. The new App is very nice in look and use.

Once registered the app says congrats, you are eligible for 3000 and pay back in time to increase limit, after I enter bank details - it says ur not eligible - this is misleading and I am going to file a case against kissht - for misleading acts like this


requires following permissions on your android device.

approximate location (network-based)
Allows the app to get your approximate location. This location is derived by location services using network location sources such as cell towers and Wi-Fi. These location services must be turned on and available to your device for the app to use them. Apps may use this to determine approximately where you are.

precise location (GPS and network-based)
Allows the app to get your precise location using the Global Positioning System (GPS) or network location sources such as cell towers and Wi-Fi. These location services must be turned on and available to your device for the app to use them. Apps may use this to determine where you are, and may consume additional battery power.

view network connections
Allows the app to view information about network connections such as which networks exist and are connected.

view Wi-Fi connections
Allows the app to view information about Wi-Fi networking, such as whether Wi-Fi is enabled and name of connected Wi-Fi devices.

pair with Bluetooth devices
Allows the app to view the configuration of the Bluetooth on the phone, and to make and accept connections with paired devices.

take pictures and videos
Allows the app to take pictures and videos with the camera. This permission allows the app to use the camera at any time without your confirmation.

find accounts on the device
Allows the app to get the list of accounts known by the phone. This may include any accounts created by applications you have installed.

full network access
Allows the app to create network sockets and use custom network protocols. The browser and other applications provide means to send data to the internet, so this permission is not required to send data to the internet.

read your contacts
Allows the app to read data about your contacts stored on your phone, including the frequency with which you've called, emailed, or communicated in other ways with specific individuals. This permission allows apps to save your contact data, and malicious apps may share contact data without your knowledge.

read the contents of your SD card
Allows the app to read the contents of your SD card.

read phone state
Allows read only access to phone state, including the phone number of the device, current cellular network information, the status of any ongoing calls, and a list of any PhoneAccounts registered on the device.

read your text messages (SMS or MMS)
Allows the app to read SMS messages stored on your phone or SIM card. This allows the app to read all SMS messages, regardless of content or confidentiality.

run at startup
Allows the app to have itself started as soon as the system has finished booting. This can make it take longer to start the phone and allow the app to slow down the overall phone by always running.

receive text messages (SMS)
Allows the app to receive and process SMS messages. This means the app could monitor or delete messages sent to your device without showing them to you.

send SMS messages
Allows the app to send SMS messages. This may result in unexpected charges. Malicious apps may cost you money by sending messages without your confirmation.

use accounts on the device
Allows the app to request authentication tokens.

control vibration
Allows the app to control the vibrator.

prevent phone from sleeping
Allows the app to prevent the phone from going to sleep.

modify or delete the contents of your SD card
Allows the app to write to the SD card.

install shortcuts
Allows an application to add Homescreen shortcuts without user intervention.

receive data from Internet
Allows apps to accept cloud to device messages sent by the app's service. Using this service will incur data usage. Malicious apps could cause excess data usage.

read Google service configuration
Allows this app to read Google service configuration data.

Older Versions

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